Can I get a loan with a photocopy of my passport and how to prove that I did not receive it?

Hello, my name is Alexey Yakovlev (1st year student, 19 years old). Recently I found out that I took a loan for a certain amount, although I personally did not receive it. Tell me, is it possible to take a loan using a photocopy of my passport and how to prove that I did not receive this loan?

Photocopy of any document, even passports, not recognized sufficient to establish your identity, especially at the bank. To obtain a loan, you will definitely need to present the original.

By the way, a notarized copy will also be insufficient. The issuance of a bank loan without an original document is possible only if the manager of the Bank, accepting the application, willfully allow this, contrary to the law.

In order to ensure safety and protect employees themselves from an unfair decision, their workplaces have long been equipped surveillance cameras, and loan applications are accompanied customer photo. Therefore, even in the case when the fraudster works in the organization that issues loans in order to fill out a false application without your personal presence, he will have to try hard.

However, if you unwittingly, nevertheless, became a “happy” owner of a debt that you did not ask for, it is easy to recognize illegal, going to court. In this case, all participants in the conspiracy will have to answer before the law. No wonder that most financial institutions monitor the actions of workers at different levels at the same time.

The most important advice: in order not to become a victim of insidious deception, be careful and do not give strangers even photocopies of documents.

In conclusion, we recommend watching a video on this topic: